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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $127,767 | $87,544+45.9% | $75,784+68.6% | $125,388+1.9% |
| Participation rate | 61.5% | 80.2%-18.6pp | 75.8%-14.3pp | 83.2%-21.7pp |
| Annual return | 1.39% | 13.49%-12.1pp | 9.68%-8.3pp | 282.24%-280.9pp |
| Employer contribution / active EE | $0 | $3,930-100.0% | $3,323-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $5,064 | $4,229+19.7% | $3,652+38.7% | $5,352-5.4% |
| Admin fee / account holder | $22,404 | $6,502+244.6% | $5,300+322.7% | $9,541+134.8% |